The Challenge
Goats are a vital asset for rural households in Zambia, providing milk, meat, and a dependable source of income. In times of crisis, they can be sold quickly to meet urgent financial needs. However, many farmers struggle to maximize their goats’ potential due to low productivity, inadequate housing, disease outbreaks, and the increasing impacts of climate change. As weather patterns shift and grazing land becomes scarce, local breeds find it harder to survive, leading to lower yields, higher mortality rates, and declining incomes.
Why It Matters
Drought-resistant goat breeds are better suited to harsher conditions, needing less feed and water while maintaining steady productivity throughout the year. They offer families a reliable supply of protein, a consistent income stream, and organic manure for soil fertility—critical to regenerative agriculture. Improving breeds and rearing practices enhances household resilience, boosts nutrition, and reduces environmental pressure through sustainable grazing systems.
Our Model
Credorsave’s pay-as-you-harvest financing makes it possible for farmers to access drought-resistant goats without upfront payments. Repayment is made after selling livestock products, offspring, or surplus animals, and group guarantees replace the need for collateral. Loans cover restocking, veterinary care, and improved housing, while tailored training equips farmers with modern husbandry skills to improve productivity and animal health. With repayment schedules aligned to goats’ breeding cycles, this trust-based, scalable model increases farmer incomes, and supports climate adaptation while protecting biodiversity.